The amount of your pension benefit is therefore largely a matter for you to decide. This is a highly personal decision. One person may wish to take more risk than another, also with respect to pension.

Fixed and variable pensions in brief

You can opt for a fixed or a variable pension. With a fixed pension, you know where you stand. You know how much you will receive each month for the rest of your life. A variable pension can be higher or lower each year. Your pension capital will continue to be invested after your retirement date. You take more risk, but you also have the possibility of a higher pension. Read more about fixed and variable pensions.

Pension for your partner

The retirement pension you purchase is a monthly benefit for you for the rest of your life. You can also purchase a pension for your partner, in which case they will receive a pension when you die. If you do not wish to purchase a partner's pension even though you have a partner, your partner will have to give their approval. Your partner will then not receive a pension on your death.

Please note: if you use your pension capital in the ARP plan to purchase a fixed pension* with the Mars Pension Fund, your partner's pension will also be fixed. If you purchase your pension from an external party, this will depend on the offer from this external party. You should therefore discuss this with your partner.

*If you purchase a pension with the Mars Pension Fund, this is known as a stable pension instead of a fixed pension. You know approximately how much you will receive each month for the rest of your life. The amount may be higher if we are able to increase the pensions in line with prices (known as indexation). It will be lower if we are forced to reduce the pensions.